Run a P2P lending marketplace.
Use LoanHQ as the back-end for a peer-to-peer lending platform — investor wallets, borrower listings, fractional funding, automated repayment distribution.
- Investor onboarding with KYC + wallet funding
- Fractional loan funding across multiple investors
- Automated repayment splitting by investor stake
- Risk-tier filters so investors choose their exposure
What lenders in this space tell us.
Splitting one loan across many investors
Fractional funding sounds simple until you implement it. Tracking stakes, repayments, and recoveries is hard.
Investor trust depends on transparency
If investors can't see live performance — collections, defaults, recoveries — they pull their money.
Regulatory exposure is real
P2P operators sit in a regulated grey zone. You need a clean audit trail and KYC on both sides.
Everything you need to run this product line.
Dual-sided KYC
Investors and borrowers both onboard with BVN, identity verification, and tier classification.
Investor wallets
Each investor has a wallet with deposit/withdrawal flow. Funds in the wallet can be deployed across loans.
Fractional loan funding
Investors commit to portions of listed loans. The platform tracks each stake against the underlying loan.
Automated repayment splitting
When a borrower repays, the platform automatically distributes the principal + profit to each investor pro-rata.
Investor dashboards
Live performance per investor — committed capital, expected return, realised return, defaults.
Risk-tier listings
Loans are listed with a risk tier so investors can filter by their risk appetite before committing.
Launch a P2P marketplace, not a back-office nightmare.
Spin up your peer-to-peer lending product on LoanHQ instead of building it from scratch.